Top 7 Best Home Warranty Companies for Seniors (2021)

By Laura Hodges

Homeownership at any age can be overwhelming and tiresome. As we age it becomes even more challenging to keep up with repairs and replacements of systems and appliances in the home. Seniors sometimes struggle from a financial perspective and from a physical view of repairing appliance or system-related issues on their own. This is why seniors will benefit so much from having a home warranty in place. 

In this guide, we will show you:

  • The top 7 best home warranty companies for seniors 
  • How to choose a home warranty company 
  • What a senior home warranty costs
  • And much more . . . 

When your air conditioning, refrigerator, or plumbing system experiences an issue, the financial impacts could be detrimental. Some of the appliances or systems will cost thousands of dollars to replace. Having the home warranty in place will protect seniors. Keep reading to find out the top 7 best home warranty companies for seniors. 

Our Top 7 Home Warranty Companies for Seniors

  1. Best Overall: Choice Home Warranty
  2. Most Customizable: American Home Shield
  3. Most Cost-Effective: Select Home Warranty
  4. Most Trustworthy: Liberty Home Guard
  5. Best Appliance Coverage: First American Home Warranty 
  6. Best for Immediate Service: ServicePlus Home Warranty
  7. Best Workmanship Guarantee: Cinch Home Services

All seven of the top home warranty companies for seniors will be reputable companies that have a strong presence in the industry. However, each of these companies is going to have its strengths and weaknesses. When deciding on a home warranty, you must look through coverage options, fees, availability, customer service, and more. As seniors, try to keep in mind your budget and the customer service and reliability of a plan. You will need a plan that you can trust and rely on in the time of need. 

Compare Home Warranty Providers

Provider Visit Site Monthly Cost Service Fee BBB Rating States Covered
Choice Home Warranty  Get a free quote Basic Plan: $45/month

Total Plan: $53.33/month

$85 B- 47 states, not including CA, NV
American Home Shield  Get a free quote  ShieldSilver: $34.99-$49.99/month

ShieldGold: $44.99-$59.99/month

ShieldPlatinum: $59.99-$74.99/month

$75-$125 B 49 states (Not including AK)
Select Home Warranty  Get a free quote Bronze: 36/month

Gold: $36/month

Platinum: $38/month

$75 B 46 states(Not including NV, NY, WA, WI)
Liberty Home Guard Get a free quote  Appliance Guard: $64.99/month

Systems Guard: $69.99/month

Total Home Guard: $74.99/month

$75 A+ 45 states (Not including CA, WA, WY, WI, IL)
First American Home Warranty Get a free quote  Basic Plan: $38/month

Premier Plan: $48.50/month

$85 B 33 states (not including AL, CT, DE, HI, IL, LA, ME, MA, MN, NH, NJ, NY, ND, RI, VT, WI)
ServicePlus Home Warranty  Get a free quote  Gold Plan: $53.67/month

Platinum Plan: $60.33/month

$75 NR 46 states (not including CA, NY, NV, WA)
Cinch Home Services Get a free quote  Basic Plan: $38/month

Premier Plan: $48.50/month

 $85 B 33 states (not including AL, CT, DE, HI, IL, LA, ME, MA, MN, NH, NJ, NY, ND, RI, VT, WI)

1. Choice Home Warranty

Best Overall

  • 2 plans available + optional add-ons
  • Has over 11 years of industry experience
  • 90-day repair guarantee
  • $46–$55 per month with $85 service fee

Choice Home Warranty is the best overall home warranty for seniors. The great thing about Choice Home Warranty is that they keep things extremely simple in their policy layout and plan. When you look at a service contract from Choice Home Warranty, it is simple, straightforward, and affordable. With 13 years in the industry, Choice Home Warranty knows how to offer senior customers precisely what they need. 

The two plan options from Choice have both systems and appliances offered as part of their coverage. Having a combination plan makes it so that you don’t have to be so selective in your home coverage. Knowing that a broad range of appliances and systems are covered will give peace of mind to a senior homeowner. 

Pros

  • Simple and straightforward plan choices 
  • Extended 90-day workmanship guarantee
  • Fair monthly pricing
  • Plenty of add on options
  • More than 13 years in the industry

Cons

  • No ability to build a custom plan 

Plans and Pricing 

Plan Price Per Month Price Per Year
Basic Plan  $45 $560
Total Plan $53.33 $660

Coverage

The coverage from Choice Home Warranty is not only broad, but it also allows for high dollar limits for each covered item. This means that things like your heating systems and water heater will be covered even if the repair costs are expensive. 

Choice is one of the most accommodating and stress-free companies to work with, precisely what senior homeowners need in a home warranty company.

To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.

For more information, read our Choice Home Warranty Review.

2. American Home Shield

Best Customizable Plans

  • 3 plans + add-ons and the option to build your own plan
  • Customers can choose the service fee they want to pay
  • Provides generous coverage caps
  • $35–$75 per month

American Home Shield is a home warranty veteran. With more than 50 years in the industry, American Home Shield is known for its ability to offer premium coverage and customize a plan. If you are a senior homeowner that wants to ensure the coverage of your warranty is built specifically to the needs of your home, AHS is the best plan to consider. Custom plans not only allow you to choose coverages but also customize the pricing and payment plan to work for your needs. 

American Home Shield has three home warranty plans to choose from. The combination plans are the most popular as they carry a mix of systems and appliances. In addition, there are a number of add-on options from AHS that are impressive in the coverage they offer. SEniors with a pool or spa enjoy the add-on coverages from American Home Shield. 

Pros

  • More than 50 years in the industry 
  • Customizable plans
  • Premium coverage with high coverage limits
  • Payment plan choices 

Cons

  • Pricing tends to be a bit higher than other plan choices  

Plans and Pricing

Plan Price Per Month Price Per Year
ShieldSilver Systems Plan $39.99 $479.88
ShieldGold Combo Plan  $49.99 $599.88
ShieldPlatinum Combo Plan $64.99 $779.88

Coverage

One of the things that homeowners enjoy the most about American Home Shield is the impressive coverage. You will not need to worry about your home with an extensive plan like this in place. American Home Shield has paid out more home warranty-related claims than any other company on the market. 

If you are serious about protecting your home appliances and systems and don’t want to deal with a headache, poor customer service, or fine print in a contract, give AHS a call.

To get a free quote from American Home Shield, you can fill out this form or call 888-365-2839. 

To read more, visit our American Home Shield review.

3. Select Home Warranty

Most Cost-effective Plans

  • 3 plans ranging from $52-$58 per month + optional add-ons
  • Provides free roof leak coverage
  • Covers rental properties, mobile homes, manufactured homes, single-family homes, and condos
  • Affordable service fee of $60

Select Home Warranty is a home warranty provider that continues to keep a senior’s budget in mind. With many seniors living on a fixed income, it is important to watch the overall spending and the saving that seniors have in place. Select Home Warranty is a very affordable plan that allows for free roof leak coverage with all policies. If you are nervous about adding another monthly expense, the Select Home Warranty plan will help you quickly see the value. 

Select Home Warranty has been on the market for close to nine years, and during this time, they have worked very hard to build a network of qualified repair technicians and helpers. You will have full confidence in the people that come to your house to complete a repair. 

Pros

  • Strict contractor guidelines for better quality repairs 
  • Free roof leak coverage with each plan 
  • Very good value for the coverage provided 
  • Has more than nine years of experience in the industry 

Cons

  • Coverage caps are not as high as some other plans
  • It won’t provide complete customization like the AHS plans 

Plans and Pricing 

Plan Price Per Month Price Per Year
Gold Care $52.00 $579.99
Bronze Care  $52.00 $579.99
Platinum Care $58.00 $649.99

Coverage

Select Home Warranty is known for affordability, but they offer great coverage across the entire plan. The Platinum Care plan is the best value, being just a few dollars more per month yet offering double the coverage. The policy limits from Select Home Warranty tend to be a bit lower, and that is a consideration to look out for. 

Overall if you are on the fence about whether or not a home warranty is worth the price for your home, take a look a

Select Home Warranty will give you a free quote after filling out this form or calling 888-370-3953.

Read our Select Home Warranty review to learn more.

4. Liberty Home Guard

Most Trustworthy

  • 3 plans ranging $65-$75 with 20 optional add-ons
  • Has a 60-day workmanship guarantee on all repairs
  • Customer service available 24 hours a day, seven days a week
  • BBB’s only A+ accredited home warranty provider

Liberty Home Guard is a newer home warranty company that appeals to those looking for a wide range of coverage options. If you are worried about your central vacuum, or ceiling fans being covered under the plan, the Liberty Home Guard home warranty is an option to consider seriously. Although LHG has not been on the market all that long, they have earned a strong reputation with the BBB. 

One of the ways that LHG has impacted the industry is by offering excellent customer service to homeowners 365 days a year. Having the ability to call in and get your issue handled within minutes is a tremendous benefit to a home warranty plan. 

Pros

  • Fast service 
  • It has a 60-day workmanship guarantee
  • An extensive list of add on coverages
  • Easy to contact customer service and file a claim 

Cons

  • Priced a bit higher than other companies
  • Newer home warranty company, not as much history in the business 

Plans and Pricing 

Plan Price Per Month Price Per Year
Appliance Guard $64.99 $649.99
Systems Guard $69.99 $699.99
Total Home Guard $74.99 $749.99

Coverage

The Total Home Guard plan from Liberty Home Guard is the most popular option. The combination of systems and appliances is strong even though the pricing is a bit higher. LHG is serious about the depth of coverage and wants to ensure your entire home is protected; of course, it comes at a price. With coverage in 45 states, LHG is a plan to keep an eye on. 

Don’t let the slightly higher pricing of Liberty Home Guard scare you away. Get a quote and see what the coverage options look like for your home; the value should be pretty easy to see.

To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281

To learn more information, visit our Liberty Home Guard review.

5. First American Home Warranty

Best Appliance Coverage

  • 2 plans + optional add-ons
  • Covers improperly installed or maintained items
  • No cap on coverage for HVAC
  • $38–$48.50 per month

First American Home Warranty is a plan designed to help with both system and appliance coverage; however, the appliance coverage is truly the most impressive benefit of this plan. Senior homeowners that are worried about dishwashers, ovens, washers, and dryers can have peace of mind with the First American Home Warranty in place. Not only is coverage broad, but the coverage limits are fair as well. 

Another great benefit of the First American Home Warranty is that some of the coverage caps are non-existent. This means that if you have an issue with your heating, cooling, or even your ductwork, First American will fix it for you and ignore the restrictive coverage caps. 

Pros

  • Impressive and affordable appliance coverage 
  • Fair pricing 
  • Some systems with no coverage caps
  • Option for 24/7 service calls 

Cons

  • Contract can be a bit confusing with lots of technical terms 

Plans and Pricing

Plan Price Per Month Price Per Year
Gold Plan  $38 $456
Platinum Plan  $48.50 $582

Coverage

The Premier Plan from First American Home Warranty is the only plan that covers both systems and appliances. The coverage caps on most appliances are a bit limited, but that is how the pricing of the policy stays fair. Overall for the price you pay, this is a fair policy with a long history in the industry. 

The First American Home Warranty company has spent many years in the industry perfecting these impressive plans.

To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164

To find out more, read our First American Home Warranty review.

6. ServicePlus Home Warranty

Best For Immediate Service

  • Offers 2 plans + optional add-ons
  • Provides a 24/7 claims hotline open 365 days a year
  • Has a 90-day parts guarantee
  • Allows customers to make unlimited service calls

our rating8.9

ServicePlus Home Warranty has some impressive customer service and will not restrict you in the way you use your policy. Some home warranty companies will limit the number of service calls you get in a year; with ServicePlus, this is not an issue. IF you have a problem with a system or appliance, simply call in, and it will be handled. 

The ServicePlus home warranty has been on the market for about five years. They are well known for having excellent customer service and being able to reach a representative in a short period of time. Even if an issue comes up on the weekend, ServicePlus will start working on a solution ASAP. 

Pros

  • Very easy to place a claim 
  • Fair pricing
  • Combo plan with systems and appliances is a good value 
  • Unlimited service calls 

Cons

  • Not BBB accredited 

Plans and Pricing

Plan Price Per Month Price Per Year
Silver Combo $53.67 $644.04
Platinum Combo $60.33 $723

Coverage

The ServicePlus home warranty is more of a value-based plan offering comprehensive coverage. This means if you want high coverage limits, you may need to choose something like American Home Shield or Choice Home Warranty instead. However, the way that workmanship, repairs, and accessibility are handled put ServicePlus in the top home warranty category. 

Keep in mind that combo plans will offer you great peace of mind, and the ServicePlus Platinum Combo is one of the more impressive choices on the market.

To get a free quote from ServicePlus Home Warranty, you can fill out this online form or call 478-210-5091

7. Cinch Home Services

Best Workmanship Guarantee

  • Offers 3 plans under $62 per month
  • Allows customers to choose between a $100, $125, or $150 service call fee
  • Covers repairs with a 180-day workmanship guarantee
  • Lets customers cancel for free within 30 days of their contract start day

Cinch Home Services as a senior, it is important to look at the longevity of a home warranty company before you make an investment. New home warranty companies are started each year. Although some of these home warranty companies will quickly move up the ranks, they may not have the quality or depth of coverage that you need. With forty years in the home warranty industry, Cinch Home Services knows what they are doing.

Customers will receive a 180-day workmanship guarantee with any repair that was completed on the home. This is considerably longer than other home warranty options on the market. The long workmanship guarantee only helps to improve the value of these plans. 

Pros

  • Long history in the industry 
  • Quick response to claims
  • 180-day workmanship guarantee

Cons

  • High service fees associated with the policy 

Plans and Pricing

Plan Price Per Month Price Per Year
Appliance $28 $336
Built-In Systems $33 $396
Complete Home Plan $40 $480

Coverage

As you will quickly notice, the Cinch Home Services plans are some of the most affordable on the market. However, they do come with very high service fees. This is party due to the long workmanship guarantee but also the monthly plan costs. 

The Cinch Home Services plans will bring some great value to the market. The history of the company, impressive customer service, and broad coverage of the Complete Home PLan make Cinch Home Services a company to consider.  

To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.

Read more by visiting our Cinch Home Services review.

Does your home need a home warranty?

Many seniors will try and fix home systems and appliances on their own. This is a problem as it can lead to larger issues and some dangerous situations. This is not the time in your life to be worried about trying to repair or replace a refrigerator on your own. Seniors should be enjoying their home and getting to benefit from it, not repairing it. 

The home warranty coverage also helps to protect any savings that a senior homeowner has in place. Think about the costs of something like a refrigerator or an HVAC going down in the same month. The repairs could cost thousands of dollars. However, with a home warranty in place, the repair may only be $60 or $75, depending on the service fee of the plan. 

If you have had a home warranty in place on your home for many years, it makes sense to continue into the senior years. If instead, you are looking for a home warranty policy for the first time, home warranty coverage will quickly prove its value. 

What to look for when choosing a home warranty for Seniors

As you can see from the list of the top seven home warranties for seniors, each company has its own unique benefits and performance. However, there are some very easy ways to compare these companies and find the one that will work best for your home. 

Plans and Coverage

Seniors should take a walk around their homes and make a list of the most important coverages. If you are mainly worried about appliances, or simply want to keep the systems in the home functioning, choose a home warranty accordingly. Match your list of desired coverages to the coverage options available from a company and come up with a great match. 

Price and service fees

The overall price of a home warranty for seniors is very important. With many seniors being on a fixed budget, it is essential to consider all home warranty costs. The most important costs are the monthly fees and the service fees. Ensure that you can afford these fees and they feel as though they will provide good value. 

Replacement Options

Most home warranty companies offer a replacement on systems or appliances that can’t be repaired. Ensure that you check on policy coverage limits and replacement options before signing up for the plan. Some companies are more generous than others. 

Pre-existing conditions

Home warranty companies will not cover issues related to known pre-existing conditions. Many senior homeowners wait a little too long to purchase a home warranty, and it ends up becoming an issue. All of your home appliances and systems need to be in working order to get a home warranty plan to cover them. Make all necessary repairs and then sign up for a home warranty policy as soon as possible. 

Location

Each home warranty company has different states in which they offer coverage. Many of the larger companies like Choice Home Warranty and American Home Shield will offer home warranty coverage in 48 or 49 states. The cost of coverage should be the same for any resident in the state, regardless of what city or town you are living in. 

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Frequently Asked Questions

Do seniors need a home warranty?

Seniors should seriously consider having a home warranty in place to protect their savings and budget. Expenses related to diagnosing and repairing appliances and systems in the home are going to get relatively high. These high fees could leave some seniors with certain systems that are simply not repairable. With a home warranty in place, a reasonably priced service fee will be all that is necessary to get a home system or appliance repaired. 

What is a service fee?

The service fee is the price that you pay for a home system or appliance to be repaired or replaced. The service fee is paid when you schedule a service call, and it should be the only expense that senior homeowners are responsible for.

Can I choose my own service provider with a home warranty for seniors?

Some home warranty policies allow you to choose your service provider, yet this is often quite rare. When a home warranty offers a workmanship guarantee ensuring that all of your repairs are covered for a 90 or 180 day period, it is hard for them to allow just anyone to complete the repair. If it is important to you to pick your service provider, check these details before you start your plan. 

Do home warranty companies offer senior discounts?

Home warranty companies do not typically offer a senior discount. However, there are several sign-on bonus options, and many policies allow seniors to cancel within 30 days if they have second thoughts about their policy. 

Final Thoughts

Hopefully, you now feel as though you can see which home warranty companies are the best for seniors. There are plenty of great options out there, and they will vary depending on what state you live in. Choice Home Warranty stands out as the best overall choice for seniors because of their time in the industry, impressive coverage, and combo plans. It makes sense to get more than one quote for your home warranty coverage. Companies offer incentives and bonuses, and sometimes this can help you make a better decision. In the end, the most important piece of this puzzle is to get your home warranty started as soon as possible. Start living your senior years with peace of mind about the appliance and systems in your home. 

See the Best Home Warranty Companies in Your State

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House Method Home Warranty Ranking Methodology

At House Method, transparency and trust are our most important values for the reader. That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology.

We’ve done the homework for you and have researched over 50 home warranty companies so you can have the information you need to make the best choice for your home. Additionally, transparency and trust are our most important values for the reader.

That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology. Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source. We also dug into the fine print on each company’s service agreement to make sure no detail was left out.

To make the most of our research, we developed a formula to objectively determine the best home warranty companies based on the following criteria:

  • Plans: Do they provide a variety of plan options? We looked at the number of plans each company offered and the flexibility of adjusting the plan.
  • Prices: How reasonable are the monthly fees and service fees in comparison to the industry average? We compared the costs of each company to competitors.
  • Coverage: How many items are covered in each plan? We looked at the number of items each company covers. We dig into all service contracts available to get all the details.
  • Customer service: How is the customer experience when calling the providers? Based on our phone calls, we were able to judge each company’s customer service.
  • Trust: What do customers rate the company? We looked into what customers are saying about their experience with the company.
  • Nationwide availability: How many states does the company cover? We found the number of states covered by each company.
  • Unique perks: Does the company offer discounts or cover special items? We looked for perks offered by each company that sets them apart from the competition.

How do we keep our data up to date?

We want to make sure we’re providing you, the consumer, with the most current data available for every home warranty company we’ve researched and rated. That takes significant effort but we feel that’s vital to providing you thorough and trustworthy reviews.

With that in mind, we have dedicated staff members who regularly update our database of home warranty research.

For those that want to  come home to a house that is comfortable and functioning, a home warranty makes a lot of sense. For the price that a home warranty is offered, you will quickly learn that it is indeed a good value. At an average of around $40 per month, your policy will cost you just under $500 per year.

If you have ever had an appliance or a home system that needs repair, you probably understand quite well that you will quickly reach that $500 mark to get your home back up and running. Take your time to carefully consider your home warranty options, check around for discounts and then give yourself the peace of mind that you deserve.

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Home Warranty

Top 6 Best Home Warranty Companies for Pre-existing Conditions (2021)

Find the best home warranty company that offers coverage on appliances and systems with pre-existing conditions!

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